Security State Bank (FDIC certificate #18448) is based in Radcliffe, Iowa. Its Q2 2026 call report shows $119.0M in total assets and $109.0M in deposits and 4 offices.
Security State Bank has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 220th. Funding & liquidity contributes the most (93/100, 49% loans-to-deposits, 22% uninsured); loan quality contributes the least (4/100, 2.88%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (42 → 44), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 40 |
| Q3 2024 | 47 |
| Q4 2024 | 42 |
| Q1 2025 | 42 |
| Q2 2025 | 42 |
| Q3 2025 | 47 |
| Q4 2025 | 55 |
| Q1 2026 | 52 |
| Q2 2026 | 44 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.61% |
| Q3 2024 | 8.58% |
| Q4 2024 | 8.35% |
| Q1 2025 | 7.75% |
| Q2 2025 | 7.94% |
| Q3 2025 | 7.99% |
| Q4 2025 | 8.16% |
| Q1 2026 | 8.21% |
| Q2 2026 | 8.27% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.48% |
| Q3 2024 | 1.83% |
| Q4 2024 | 2.42% |
| Q1 2025 | 2.06% |
| Q2 2025 | 2.49% |
| Q3 2025 | 2.16% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.93% |
| Q2 2026 | 2.88% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $119.0M | 8.27% | 2.88% | 1.07% | 49.4% |
| Q1 2026 | 52 | $120.8M | 8.21% | 1.93% | 0.90% | 49.9% |
| Q4 2025 | 55 | $113.7M | 8.16% | 1.46% | 0.69% | 55.7% |
| Q3 2025 | 47 | $117.2M | 7.99% | 2.16% | 0.63% | 52.7% |
| Q2 2025 | 42 | $122.8M | 7.94% | 2.49% | 0.56% | 46.2% |
| Q1 2025 | 42 | $130.0M | 7.75% | 2.06% | 0.17% | 41.9% |
| Q4 2024 | 42 | $112.2M | 8.35% | 2.42% | 0.17% | 51.3% |
| Q3 2024 | 47 | $113.2M | 8.58% | 1.83% | 0.12% | 47.0% |
| Q2 2024 | 40 | $112.6M | 8.61% | 2.48% | 0.00% | 45.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Twin Cedars BankBank Bussey, IA | 29 out of 100, Low | $118.3M | 9.2% | 4.61% | vs |
| United Bank & Trust Co.Bank Marshalltown, IA | 63 out of 100, Moderate | $120.1M | 10.5% | 1.57% | vs |
| First Community BankBank Newell, IA | 64 out of 100, Moderate | $115.7M | 9.4% | 1.32% | vs |
| Solon State BankBank Solon, IA | 45 out of 100, Below average | $122.5M | 23.0% | 11.69% | vs |
| Farmers and Merchants Savings BankBank Iowa City, IA | 83 out of 100, Strong | $122.5M | 13.6% | 0.00% | vs |
| Pocahontas State BankBank Pocahontas, IA | 71 out of 100, Strong | $122.6M | 26.4% | 1.93% | vs |
Deposit insurance
Is my money safe at Security State Bank?
Yes. Security State Bank is an FDIC-insured institution (FDIC certificate #18448). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.6% of deposits ($23.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.27%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.36% (benchmark: 10%).
4 locations
Branches
Security State Bank lists 4 offices in 4 cities. Most locations:
- Hubbard, IA (1)
- Radcliffe, IA (1)
- Story City, IA (1)
- Zearing, IA (1)
Identity & history
Profile
- Legal name
- Security State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18448
- RSSD ID
- 527749
- Primary regulator
- FDIC
- Holding company
- Drake Holding Co
- Established
- October 14, 1914
- Headquarters
- 207 Isabella St, Radcliffe, IA 50230
- Website
- www.ssbiowa.com
- Employees
- 19
Quick answers
Security State Bank: common questions
Is Security State Bank FDIC insured?
Yes. Security State Bank is an FDIC-insured institution (FDIC certificate #18448). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Security State Bank's TellerScore?
44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Security State Bank ever failed?
There is no failure record for FDIC certificate #18448 in the FDIC failed bank list.
How many branches does Security State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Radcliffe
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Bank and Trust CompanyBank Hampton, IA | 97 out of 100, Very strong | $228.4M | 14.8% | 0.00% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Community Choice Credit UnionCredit union Johnston, IA | 79 out of 100, Strong | $922.9M | 12.7% | 0.57% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| TS BankBank Treynor, IA | 72 out of 100, Strong | $432.7M | 10.6% | 1.41% | vs |
| Iowa Falls State BankBank Iowa Falls, IA | 71 out of 100, Strong | $201.5M | 8.6% | 0.25% | vs |